Maximize earnings on reserves, access capital when you need it — all in one solution
Condo boards across Florida are facing new reserve requirements—and with them, greater responsibility to safeguard community funds. Vibrant’s reserve and lending solutions are built specifically for COAs and HOAs, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity.
Fully Insured
Up to $15 million in federal deposit insurance* at no cost.
Flexible Line of Credit
Take advantage of multi-year terms with no hidden fees.
Industry-Leading Rates
Access to our nationally recognized money market rates.
"As someone who just bought a condo in Florida, I've seen firsthand how these new requirements are impacting boards. That's exactly why we built this solution—to make reserve funding safer, simpler, and smarter."
Nick Tarpein—Chief Financial Officer, Vibrant Credit Union
We have the answers to your rising complications.
Challenge
Solution
Reserve requirements demand safety and security.
Reserve studies might reveal underfunded reserves.
Emergency repairs require fast access to capital.
Boards need funds that are both insured and easily accessible.
Fiduciary responsibility means safeguarding community funds while meeting board expectations.
Our high-yield reserve account* is fully insured and backed by the full faith of the U.S. Government through NCUA coverage, ensuring both growth and protection.
We offer quick and easy eligibility for lines of credit tailored for HOAs and Condos—no personal guarantees, draw fees, non-usage fees, or origination fees required.
With 24/7 account visibility and control, you're always prepared. If bundled with a line of credit, you can draw instantly from your HELOC for immediate funding.
Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety.
Don’t sacrifice safety for accessibility—our insured money market account offers competitive yields with NCUA coverage up to $15MM, delivering the best of both worlds.
"As someone who just bought a condo in Florida, I've seen firsthand how these new requirements are impacting boards. That's exactly why we built this solution—to make reserve funding safer, simpler, and smarter."
Nick Tarpein—Chief Financial Officer, Vibrant Credit Union
“In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.”
Paul S — President, KWBTS
Still not convinced? There's more to the story.
Give your board the clarity and confidence they need. Our Due Diligence Packet lays it all out—why this matters, how it works, and exactly how Vibrant protects your reserve funds while delivering unmatched value.
Learn more about our mission, goals and the fuel that drives us ahead here.
*Insurance provided through program credit union (subject to certain conditions). Federal deposit insurance refers to insurance through NCUA. $5 Membership Share account required.
Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.
Ask The Wall Street Journal, Investopedia and CBS News — Vibrant has some of the best rates.
You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards.
Frequently asked questions
House Bill 913 introduces stricter reserve funding requirements for Florida condominium and cooperative associations. It mandates full funding of structural reserves and limits the ability to waive or reduce contributions. Vibrant’s reserve solutions are designed to maximize your return on the reserve funds you’re holding.
Our insured money market accounts offer competitive returns while maintaining full liquidity and up to $15 million in NCUA-backed coverage. This ensures your board is acting in the best financial interest of the association—protecting funds, earning interest, and staying compliant with state laws.
Vibrant offers up to $15 million in NCUA-backed coverage at no cost to your association. This extended insurance helps protect your reserves without the need for multiple banking relationships.
As a nationally recognized rate leader, you can always count on competitive returns. Our insured money market accounts deliver strong earnings potential with no added cost to you. Plus, we encourage you to ask about relationship-based pricing, cash incentives, and the added value of bundling with a line of credit—all designed to help you maximize your earnings and financial flexibility.
No, there’s no minimum deposit or balance requirement. While NCUA/FDIC insurance typically covers up to $250,000, our insured money market account* provides coverage for balances up to $15 million. Many members choose this account when their deposits exceed the standard insurance limit.
Yes, you’ll have full access and control over your funds. Liquidity is available either the same day or by the next business day. You can manage deposits and withdrawals through our secure online portal 24/7, and your Relationship Manager is also available to assist with any transaction requests.
We combine executive leadership experience, personalized service, and industry-leading rates with a deep understanding of HOA board responsibilities. Our streamlined account opening and due diligence packages make compliance simple and stress-free.
Effective reserve planning ensures your community is financially prepared for future repairs and replacements. It protects property values, minimizes special assessments, and helps boards meet their legal obligations under Florida law.
Yes. Vibrant offers flexible Line of Credit options designed to support associations during unexpected expenses or while building up reserves. These solutions help boards meet immediate obligations without compromising long-term financial health.